The application of financial IC cards in the field of public services

The promotion of financial IC cards has been launched since 2011. Over the past two years, relevant parties have continued to advance in accordance with the phased goals of “opening the situation in 2011, expanding application in 2012, and issuing cards in 2013”. The work has shown a healthy and stable work. A good situation of orderly development.

The overall situation of financial IC card promotion

Financial IC card issuance. As of the end of August 2013, the national financial IC card issued a total of 340 million cards, an increase of 210 million from the end of the previous year. More than 100 commercial banks have issued financial IC cards.

Accept the environmental transformation. As of the end of the second quarter of 2013, the total number of POS machines and ATM terminals was 8.112 million units and 493,000 units respectively, and the overall transformation rate continued to maintain a high level, reaching 98.7% and 97.4% respectively. Among the POS machines and ATM terminals that have been rebuilt, the proportion of non-contact IC cards that can be accepted is 25.7% and 8.6%, respectively. The total number of POS machines and the number of POS machines supporting financial IC cards increased by 734,000 units and 750,000 units respectively from the end of the previous quarter. The total number of ATM terminals and completed ATM terminals increased by 25,000 units and 31,000 units respectively from the previous quarter. It shows that commercial banks and China UnionPay continue to improve the transformation of existing equipment while strictly grasping the conformity of incremental acceptance equipment standards. As the acceptance of environmental transformation has been basically completed, the phenomenon of downgrade transactions has been effectively prevented. The data shows that in the first half of 2013, the proportion of financial IC card cross-bank transactions in POS and ATM terminals decreased by 14 percentage points and 29 percentage points respectively, showing a significant downward trend.

Financial IC card transactions. With the rapid increase in the number of financial IC card issuance, the continuous consolidation of the acceptance of environmental transformation, and the continuous expansion of the application in the public service sector, the financial IC card transaction situation has shown a good upward trend. As of the end of June 2013, the balance of financial IC card deposits was 2 trillion yuan, an increase of 101.9% compared with the end of 2012. The financial IC card consumption transaction volume in the first half of the year was 1.5 trillion yuan, an increase of 90.4% compared with the second half of 2012. The balance of financial IC card deposits and card consumption transactions were 0.73 million yuan and 0.53 million yuan respectively, which were 1.78 times and 1.43 times of magnetic stripe cards respectively, indicating the improvement of the acceptance environment and the high security and convenient use of financial IC cards. The characteristics are recognized by the cardholder.

The effectiveness of the application of financial IC card industry

In order to implement the "Notice of the People's Bank of China on Promoting the Promotion of Financial IC Cards", the financial IC card's expansion advantages in the field of public services will be promoted to promote the integration of financial informationization and urban informationization. In June 2011, the People's Bank of China was in the country. 47 cities were selected to carry out pilot applications of financial IC cards in the field of public services. In the past two years, the application of financial IC cards in pilot and non-pilot cities in the public service sector has achieved breakthroughs in 7 major categories and 28 industries, covering public transportation, social security, medical and health, cultural education, urban management, living services, and corporate services. In many fields, it has effectively innovated public service means and created a new situation in which financial IC cards serve people's livelihood.

Financial IC card application field

In the field of public transportation: Chengdu has realized the financial IC card swipe to take the subway, and comprehensively promoted the settlement of financial IC cards in the taxi and bus industries; Guizhou Province has adopted the demonstration effect of Guiyang to promote the comprehensive application of the public service areas such as the public transportation sector in the province; Chongqing Public buses such as Xinyu, Tieling, Qingyuan, Shaoguan, Zhangzhou, Qinhuangdao and Changde have all received financial IC cards; Shanghai, Dalian, Kunming, Yichang and other places have realized the payment of financial IC card taxis; Guangshen Railway passengers The financial IC card can be directly swiped into the station on the “Harmony” train on the Guangzhou-Shenzhen line; Yantai, Baoji, Yulin and many other places have realized application expansion in the areas of driver management and expressway ETC fast track.

In the field of medical and health: Yinchuan, Tianjin, Jinan, Wuhu and other places promoted the cooperation of silver medicine in the field of medical and health, realized the function of loading financial card into the hospital for medical card, and patients with financial IC cards can complete online appointment registration in multiple hospitals. Inquiring about medical record information, hospital deposit deposits and direct payment of medical expenses, effectively alleviating the problem of “three long and one short”.

In the field of cultural education: Guangzhou University City in Guangzhou, Xiangtan University in Xiangtan, Southwest Forestry University in Kunming, Xinjiang University in Urumqi and other campus cards based on financial IC cards, making "one card in hand, walking around the campus" become a reality.

In the field of urban management: financial IC cards in Xinyu and Zigong have taken on the functions of citizen cards and realized the use of financial IC cards in the field of urban management. Zhangzhou and Tongling have also realized the issuance of financial IC card city cards; the financial IC card cards of Meizhou, Qingyuan, Maoming, Zhanjiang and Shaoguan in Guangdong also support cross-city mutual exchange in the bus field.

In the field of life services: Shanghai, Yichang, Shenzhen, Xiamen and other places to promote the use of financial IC cards in the "standardized vegetable market"; Kunming's meat and vegetable circulation service financial IC card provides a new means for the construction of food safety traceability system Changsha, Suzhou and other places have launched the "Financial IC Card Brunch Project", which has been recognized by local citizens, merchants and the government.

In the field of enterprise services: Shanghai, Chengdu, Shenzhen and other places launched the Huawei campus card, Liaoyuan's Northeast Socks Park launched the “park one card”, Kunming launched the Changshui Airport campus card, these financial IC cards for enterprises and their employees Comprehensive financial services set up a platform.

Financial IC card participating institutions

According to their own characteristics, commercial banks have realized industrial applications in different fields. ICBC has launched a small payment "Flash Card", launched Peony Transportation Card Service in Tianjin, Jinan, Baotou and other places, and issued the Peony Love Purchase Card in Guangzhou and Shenzhen. The Agricultural Bank combines the market demand for small cash payment in rural areas, takes the new rural cooperative medical insurance and new rural insurance agency business as the starting point, and takes the “JinSui Hui Nongtong” project construction as an opportunity to explore the promotion and application of financial IC cards in rural areas. Bank of China has launched enterprise park services for enterprises in Shanghai, Jinan and Zhenjiang. The ETC Longka IC credit card introduced by the Construction Bank enables the owner to automatically pay the fee without stopping by the ETC lane, which greatly saves the transit time. In line with the community service in Shanghai, the Postal Savings Bank issued a joint IC card for property management. Minsheng Bank launched the “Kunming Meat Vegetable Circulation Service Financial IC Card”. At the same time, the application development of the financial IC card industry of some regional commercial banks is also very distinctive. For example, Urumqi Commercial Bank has launched financial IC card gas service according to local characteristics, and Zhejiang Mintai Commercial Bank has launched a mobile phone based on financial IC card. Credit services, Guilin Bank combined with the habit of local people like to eat rice noodles launched a "rice meal card."

The above-mentioned industrial applications of financial IC cards have been widely welcomed by the public and have achieved remarkable results.

First, it has effectively promoted the development of urban informatization, promoted the sharing of information resources and the efficient use of information resources in local institutions, and formed a catalyst for the development of information technology in the industry.

The second is to promote the awareness of banking services, and provide an effective means for commercial banks to carry out financial service innovation and improve their service capabilities.

Third, while providing safe and convenient financial services to the masses, it has become an important path for local governments and industry management departments to realize the transformation of management methods.

The citizen card based on the financial IC card combines the desire of the local government to carry out quality public services with the willingness of the banking industry to serve the society, and innovates public service means to adapt to the government's need to change management methods. Based on the multi-application of financial IC cards, it provides effective management tools for management departments of different industries, and enhances the performance and performance of the industry management departments. The fourth is to drive the development of the chip industry. Driven by the promotion of financial IC cards, with the strong support of the relevant departments such as the National Development and Reform Commission and the Ministry of Industry and Information Technology, the technical level of chip security design, COS research and development, card packaging and other technologies have been continuously improved, and the acceptance tools related to financial IC cards have been continuously updated. New types of devices such as Internet payment terminals are constantly appearing. The technical experience of talents related to financial IC cards continues to accumulate and their capabilities are rapidly increasing.

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